article published André Uhde author 36049https://orcid.org/0000-0002-8058-8857 Ulrich Heimeshoff author 186 department 188 department Using aggregate balance sheet data from banks across the EU-25 over the period from 1997 to 2005 we provide empirical evidence that national banking market concentration has a negative impact on European banks’ financial soundness as measured by the Z-score technique while controlling for macroeconomic, bank-specific, regulatory, and institutional factors. Furthermore, our analysis reveals that Eastern European banking markets exhibiting a lower level of competitive pressure, fewer diversification opportunities and a higher fraction of government-owned banks are more prone to financial fragility whereas capital regulations have supported financial stability across the entire European Union. 2009 eng Market structureFinancial stabilityBanking regulation https://doi.org/10.1016/j.jbankfin.2009.01.006 3371299-1311 yes @article{Uhde_Heimeshoff_2009, title={Consolidation in banking and financial stability in Europe: Empirical evidence}, volume={33}, DOI={<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>}, number={7}, journal={Journal of Banking &#38; Finance}, author={Uhde, André and Heimeshoff, Ulrich}, year={2009}, pages={1299–1311} } Uhde, André, and Ulrich Heimeshoff. “Consolidation in Banking and Financial Stability in Europe: Empirical Evidence.” <i>Journal of Banking &#38; Finance</i>, vol. 33, no. 7, 2009, pp. 1299–311, doi:<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>. A. Uhde, U. Heimeshoff, Journal of Banking &#38; Finance 33 (2009) 1299–1311. Uhde, A., &#38; Heimeshoff, U. (2009). Consolidation in banking and financial stability in Europe: Empirical evidence. <i>Journal of Banking &#38; Finance</i>, <i>33</i>(7), 1299–1311. <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a> Uhde A, Heimeshoff U. Consolidation in banking and financial stability in Europe: Empirical evidence. <i>Journal of Banking &#38; Finance</i>. 2009;33(7):1299-1311. doi:<a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a> Uhde, André, and Ulrich Heimeshoff. “Consolidation in Banking and Financial Stability in Europe: Empirical Evidence.” <i>Journal of Banking &#38; Finance</i> 33, no. 7 (2009): 1299–1311. <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>. A. Uhde and U. Heimeshoff, “Consolidation in banking and financial stability in Europe: Empirical evidence,” <i>Journal of Banking &#38; Finance</i>, vol. 33, no. 7, pp. 1299–1311, 2009, doi: <a href="https://doi.org/10.1016/j.jbankfin.2009.01.006">https://doi.org/10.1016/j.jbankfin.2009.01.006</a>. 44062018-09-14T13:02:19Z2023-01-10T09:36:22Z